Comprehensive, customized protection for your industry, and your business.
No matter the size and nature of your business, there are always uncertainties. We’ll work with you to determine your business risks in order put together a custom insurance package that makes sense for your business.
When you look around your business, it’s obvious that you need to protect against damage to your buildings, equipment and staff. Less obvious–but no less important–is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable.
General liability insurance mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage (for example, if one of your business’ staff members defames a client). It’s important to note that general liability coverage doesn’t apply to cases where you are sued for giving inadequate professional advice. Errors & omissions insurance (E&O) can help to protect your business from that specific type of risk.
Your business needs general liability insurance if you ever meet clients (at your business or theirs), or have any physical access to their equipment. Additionally, general liability insurance may be a requirement before some businesses will sign a contract with you.
At Erwin Insurance, our mission is to use our expertise to build you the most comprehensive coverage your budget can buy.
We offer general liability insurance throughout Florida and New York, where we have offices. But our reach extends across the country as we are licensed in 17 states.
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As an independent agency, we offer multiple options at competitive prices.